I have a pretty diverse career history, primarily in business to business sales and event/wedding planning.

We are in process of working on a 4th loan, for an off grid riverfront seasonal cabin that only one of our lenders - the local one - is willing to finance due to their understanding of the area and our history of successful rentals (proven via our tax returns). 

I had to sign all sorts of documents saying I would live there.

You will probably need two documents: a Promissory Note which describes the terms of the loan and a Mortgage which is filed with the County clerk to secure your lender's interest in the property and which will allow them to sell it if you fail to make the payments.

Lenders must keep copies of the Loan Estimate for three years after consummation, and retain copies of the Closing Disclosure, in addition to all Closing Disclosure-related documents, for five years after consummation.The Final Rule also includes several other substantive changes and additions to TILA and RESPA, including, Defining what constitutes an application: The removal of the seventh catch-all item.

If the other buyer does not submit the documents promptly, they may just accept your offer.

So the answer is in enough time for the QI to coordinate some document preparation with the title company or attorney closing your sale.  

Once you've doesn't the money for an attorney to draft that, which I suggest that you do, you'll have that document to use as a tool for other note purchases. 

They are saying the purchaser pays the premium for the issuance of the title policy, including cost of title search and recordation of title documents.

When I got to the closing, I brought the check and I got the documents.